Paisawiki is a Part of
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
ManipalCigna is a venture between the Manipal Group, a corporate leader in the field business, industry, and health insurance, catering to higher education in India and Cigna Corporation, a global health and wellness services company with around 200 years of existence.
ManipalCigna Health insurance aims at providing a full suite of health insurance products, a wide network of healthcare facilities, a convenient and lifetime access to good health, mental and physical well-being and basic peace of mind in the form of quality healthcare products and a sense of financial security in case of any medical contingencies that take place in lieu of any mishap or accidental damage to the policyholder. Lifestyle Protection Group Policy from ManipalCigna can be a great pick for someone looking for covering a group.
Lifestyle Protection Group Policy offers a plethora of options to financially secure and supports the insured against unforeseen accidents and risks of critical illnesses under one roof. It offers the flexibility and freedom to customise available health insurance products, which is purchased by a corporate or a registered group of companies for its employees and dependents as per their requirements.
The policy comes with the following features that make it worth to purchase:
|
Minimum and Maximum Age |
18 years and maximum up to 75 years For dependent children – 5 years to 25 years of age For adults – 18 years to 75 years |
|
Basis of the Plan |
Individual only |
|
Term or Tenure of the policy |
The policy is available for one year. (Term for more than a year is available for credit-linked policies only)
|
|
Sum Insured |
Minimum – Rs10000 Maximum – Rs50 crore |
|
Coverage |
· 24*7 coverage of events or accidents · 36 critical illnesses and major hospitalisation and medical emergencies worldwide · |
|
ICR – Incurred Claims Ratio |
62% |
|
CSR – Claims Settlement Ratio |
90.02% |
|
List of Network Hospitals |
6500+hospitals |
Benefits offered under ManipalCigna Lifestyle Protection Group Plan mainly comprise of two parts (A and B)
The policy offers insurance coverage for basic emergencies like AD - Accidental Death, PTD - Permanent Total Disability, PPD - Permanent Partial Disability (PPD), and TTD - Temporary Total Disability (TTD). Other combinations that can be availed under the same emergencies.
The following benefits are covered under this plan.
The disappearance of the insured
The policy excludes the following health conditions:
It provides a wide range of coverages that can be opted by the policyholder as per his needs and requirements. A lump-sum amount is provided at the diagnoses of a Critical Illness that is covered during the tenure of the policy and survival benefit for a minimum of thirty days.
Group Critical Illness policy offers the following benefits
Benefits provided in case of analysis of critical illness within the terms of the policy:
The policy doesn’t cover the expenses incurred for the following health conditions:
The eligibility criteria fall around:
The policy can be claimed without any hassle. Online claims can be provided for both cashless and reimbursements of expenses. A list of Important claim documents that need to be submitted for reimbursement are as follows:
The policy can be bought online or offline, as per the convenience of the insurance seeker.
To buy the policy online, one can approach Paisawiki.com. The process is easy. One has to fill the online application, get the list of plans, compare the premiums and pay the payment online. The instant policy documents will be sent to the registered email Id.
If not, one can visit the nearest branch. Contact a TPA – third party agent or representative of the insurance company to know about the plan and complete the buying formalities.
For renewal of the ManipalCigna Lifestyle Protection Group Plan, 30-days grace period from the expiry date of the policy is permissible. All previous dues and a fresh renewal of the policy needs to be done which can be easily processed online by submitting necessary personal details and the previous policy number and making the necessary payments towards the renewal; the policy will be considered as continuous for the waiting period. In case of non-renewal of the policy within 30 days of the grace period, the policy will stand as a lapsed or terminated policy, and a fresh policy will have to be issued in the name of the policyholder.
The policy can be renewed through Paisawiki.com as well. Just visit the website and go to the ‘health’ option, then click on the ‘Renew policy’ tab. Mention the necessary policy details, calculate the premiums and pay online to renew the policy.
Ans: The ManipalCigna Lifestyle Protection Group Policy is issued in the name of the Company, Employer, Affinity Group or any MNC or organisation registered under approved government or private leadership that purchases this plan for its employees and their dependents.
So, the Company or Affinity organisation is the owner and purchaser of the Policy and is known as the Policyholder. The Policy states that all coverage and benefits must be paid to the Employees Group members, who are eventually the Insured Persons plus their immediate dependents.
Ans: Yes, any foreign national who is at present or at the time of purchase of the policy working in India in any organisation, corporate or affinity group and is earning in Indian rupees can be insured under this policy.
Ans: Any forms of medical treatment which does not come under the medical treatment of Allopathy or any form of modern medicine which includes Homeopathy, Ayurveda, Unani, Sidha and any other form of natural, herbal or non-allopathic treatment in the Indian context.
Ans: If an insured person has gone through any act of violence or if he suffers from a traumatic accident or Critical Illness; in such a case reimbursement of the amount up to the specified limit which is made towards any kind of specialist consultation, counselling fees, and extended physiotherapy based on an out- patient. This optional coverage can be used and availed only once during the Policy Period.
Ans: In case of death or disability of the policyholder, his spouse and children will be entitled to get 100% of the sum insured as specified under the plan. Additionally, they will also be entitled to any eligible optional benefit which can be paid on fulfilment of specified conditions.
Ans: Survival period is a waiting period of 30 days, which follows the initial diagnosis or occurrence of the Illness or any ailment that is undergoing any kind of Surgical Procedure. A waiver option is also available as an add-on rider after payment of additional premium.
